slug: spare
provider: Spare
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 3
edges:
- tag: Payment
  spec_file: spare-payment-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.78
  evidence: POST /api/v1.0/pis/Payment/List — List domestic payment; GET /api/v1.0/pis/Payment/Get — Get
    domestic payment by id; schemas DomesticPaymentResponseModel, PaymentTransactionStatus, PaymentAmountResponseModel
  reason: Domestic payment objects produced by a licensed Payment Initiation Service Provider; retrieving
    initiated payments and their transaction status belongs to payment initiation management. Slight ambiguity
    between initiation and processing sub-capabilities since these operations only read payment state.
- tag: RiskReport
  spec_file: spare-riskreport-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.78
  evidence: GET /api/v1.0/ais/RiskReport/Create — Create account information risk report; schemas DebtServiceRatioDetail,
    IncomeTrendDetail, SalaryRangeDetail, RepaymentRegularityDetail, RiskScoreResponseApiResponse, EmergencyBufferDetail
  reason: Generates affordability/creditworthiness scoring from transaction data (debt-service ratio,
    income trend, repayment regularity, risk score) — the analytical input to credit decisioning and underwriting.
    Some chance the intended edge is credit risk modelling rather than underwriting/decisioning.
- tag: Customer
  spec_file: spare-customer-api-openapi.yml
  capability_id: BC-1300.40
  capability_id_l1: BC-1300
  capability_name: Customer Information Management
  confidence: 0.7
  evidence: POST /api/v1.0/ais/Customer/Create — Create customer; PATCH /api/v1.0/ais/Customer/Update
    — Update customer; schemas CustomerRequestModel, CustomerType, CustomerDetailsResponseModel
  reason: CRUD over customer records within a licensed open-banking (AISP/PISP) platform is customer master/information
    management for banking customers. Sub-capability chosen over generic CRM because the vendor operates
    as a regulated bank-data provider; some chance the intended edge is cross-industry customer data management.